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Fractional Chief AI Officer · Bogotá → Latin America

One brain for your whole company.

Hi, I'm Federico Garzón. I connect a company's memory, an agent that talks with every leader (your company's Jarvis) and a game that moves the team every day on WhatsApp. Financial, operational and commercial decisions under one roof, with AI and strategy.

Apr 2026
6connected pages · 3,003 links

The real graph of the company memory I built and run today, anonymized: no titles, no content. Hover the nodes.

Under one roof

Memory, conversation and game. One system that decides and moves.

Most companies buy AI tools one by one. I build the whole loop: what the company knows feeds the agent, the agent talks with leaders, the game moves the team and every decision goes back into memory.

01 / 04

Meetings, decisions, processes and data in one brain that people and agents read.

Your company's Jarvis talks with the leaders

J
Jarvis
typing…
Illustrative conversation

The team's multiplayer game

Today's goal
40%
Simulation with sample data
  1. 1
    Origination
    7/14
  2. 2
    Sales
    9/20
  3. 3
    Submission
    5/12
  4. 4
    Legal
    2/6
  5. 5
    Disbursement
    1/8
11:00 checkpoint · sent on WhatsApp
🏁 Leading: Origination · team 24/60. Still to go 36 to hit today's goal. Let's go!
  • 30+ people across 8 areas
  • 111.9% of the July target
  • USD 4.6M single-day record

What the company decides with this system

01
Financial

Stage-weighted close forecast, cash, investor data room and a debt-funding map.

249 debt funds mapped, 18 shortlisted
02
Operational

Where each loan is stuck today, which queue to hit first and what to automate next.

One coordinator role absorbed: USD 51K a year
03
Commercial

Which channel brings real business, which lead is unanswered and who to call now.

181 leads in week 1, 78% with a known source
Proof, not promises

Systems running today with real people.

Every number carries a label. Measured: I can point to the log, the counter or the dashboard. Company result: it happened while the system was live, but I don't claim the system caused it.

MeasuredCompany result
Operations agentMeasured

One agent absorbed the routine layer of a full role.

It's the company's Jarvis: it watches the loan pipeline, drafts follow-ups and answers ops questions on WhatsApp, with per-user permissions and human approval before every send.

  • 5,100+ sessions
  • 43 users
  • 75K tool calls
Ask me for the full case
5,100+
sessions since May
75K
tool calls
Monthly cost≈ 11–16× less
Coordinator role (routine layer)USD 4.3K
≈ USD 4,300 a month
Agent in productionUSD 274–400
USD 274–400 a month, model + server
Broker copilotMeasured

Zero to production in 18 days.

Ianna pre-qualifies a mortgage against 7 banks' policies, reads borrower documents and takes calls. Prompt caching cut the cost per conversation 10x.

  • ~USD 0.41 per broker
  • WhatsApp + voice + OCR
Ask me for the full case
Relative cost per conversation (index)
Index 100100
Index 10 · ÷1010
÷10
No cacheCached
Build: day 1 → day 1834 PRs
in production
SEO + GEOMeasured

8–9× more daily impressions in three weeks.

Fixed indexing on the main site and built a tracker of how ChatGPT, Claude, Gemini and Perplexity mention the brand.

  • Indexed pages: 7/34 → 30/41
Ask me for the full case
Daily Google impressions
05001,0001,500Week 0Week 3~1501,000–1,400
Indexed pages
Before
7/34
After
30/41
WhatsApp CRM + voiceMeasured

181 leads in week one. 78% with a known source.

Shared inbox, unanswered-lead alerts, a voice agent that answers and transfers, Meta ad attribution and card payments. Three brands use it today.

  • 3 brands in production
Ask me for the full case
With source: ~141 leads (78%)
78%
with an identified source
Known sourceUnknown
n = 181 · week 1
Gamified operationsCompany result

The loan pipeline turned into daily goals.

LQN World gives 30+ people across 8 areas their queue, their goal for the day and their team's podium, with WhatsApp summaries twice a day and an automatic month-end close.

  • USD 4.6M single-day record
  • First EBITDA-positive month of 2026
Ask me for the full case
Disbursement target · July 2026
111.9%
target 100%
DORA · before AICompany result

We replaced the co-signer in Colombian leases.

I co-founded and ran DORA: underwriting with KYC, insurance and vintage-based portfolio risk. 2,000 tenants in 15 cities, profitable and acquired. It's why I build AI the way I do: rules in code, every decision reproducible.

  • USD 8.4M annualized guaranteed rent
  • 0.8% default rate
  • USD 380K ARR
Ask me for the full case
Customer acquisition cost (USD)
$130
$40
−69%
Initial CACFinal CAC
Services

Four ways to work together.

For fintechs, banks, insurers, real estate firms, developers and proptechs whose operations live in WhatsApp, documents and credit.

  1. 012 weeks

    AI diagnostic

    I map your processes, find the three AI use cases with the best return and leave you a 90-day plan with costs, risks and metrics.

    • Process map (BPM) with bottlenecks
    • 3 prioritized use cases with estimated return
    • Build vs. buy decision
    • 90-day plan with owners
  2. 026–8 weeksMost requested

    First agent in production

    A real agent working with your team: on WhatsApp, by voice or reviewing documents. With tests, permissions and human approval from day one.

    • Agent in production with real users
    • Eval suite and regression gate
    • Measured cost per case
    • Runbook and handoff to your team
  3. 03Monthly

    Fractional Chief AI Officer

    I sit with your leadership team on a recurring basis. AI governance, roadmap, team hiring and a dashboard showing what AI does to the P&L.

    • Quarterly roadmap and AI committee
    • Agent governance policy
    • Team hiring and enablement
    • P&L impact dashboard
  4. 04Half day

    Talks and workshops

    For boards and leadership teams: what's real, what's hype and how to start without burning cash.

    • Live session with real cases
    • Hands-on exercise on your processes
    • List of next steps

Plus: access to my network of investors, debt funds, AI talent and LatAm clients, when it serves your plan.

Book 30 minutes
Method

I govern agents like a new hire who was handed too many keys.

The job is to take most of them back. Rules that matter live in code, below the model, where a prompt can't negotiate them.

External heartbeat · no LLMblocked · 403WhatsApp group send
Request
01
Permissions in code
02
Model
03
Allowlisted tools
04
Human approval
05
Verified action
06

The autonomy ladder

An agent earns the right to act alone with evidence, not enthusiasm.

  1. 01Reads

    Anonymized contracts, never other people's inboxes.

  2. 02Suggests

    Proposes who to contact; never guesses an address.

  3. 03Drafts

    The agent writes; a person sends.

  4. 04Acts with brakes

    With brakes and the owner's sign-off: if nobody switches it on, nothing goes out.

  5. 05Autonomous

    Only with evidence: a long record approved unchanged and zero incidents.

01

If a rule matters, enforce it below the model.

02

Verify the side effect, not the return code.

03

Monitoring must not depend on the thing it monitors.

04

The model explains; the code decides.

Path

Ten years building in housing, credit and risk. Now with AI.

  1. 2015
    Welcome District
    Founder & CEO

    Co-living: 15.7K-member community, 105 tenants, 4.8/5.

  2. 2019
    Operadoor
    CEO

    SaaS for real estate agents: MRR +12% a month.

  3. 2021
    Torrenegra
    Senior Coach

    OKRs and operating rhythm for startups growing ~10% a month.

  4. 2022
    DORA · 500 Global
    CEO & Co-founder

    Rental guarantees. 2,000 tenants, 0.8% default. Acquired.

  5. 2025
    Feche.xyz
    Fractional Chief AI Officer

    InmoLawyer in production and a go-to-market agent in 3 days for a DTC brand.

  6. 2026
    LQN Hipotecas
    Head of AI & Growth

    Production agents, a voice CRM and gamified ops for a VC-backed mortgage platform, plus a plugin published in the ChatGPT directory.

Press and stages

I talk about AI with numbers, not adjectives.

AI is going to be a commodity.
La República · 2026
Federico presenting the rental problem in Colombia
Federico giving a talk
Federico with an award at Universidad de los Andes
Open source

My employers' code is private. These patterns aren't.

286
merged PRs in 6 months
~1,000
commits across 7 repos
ClaudeGPTGeminiMCPClaude CodeCodexPipecatWhatsApp Cloud APIFastAPITypeScriptHonoXStateBullMQPostgreSQLRedisCloudflareDigitalOceanMetabasen8nSupabaseClaudeGPTGeminiMCPClaude CodeCodexPipecatWhatsApp Cloud APIFastAPITypeScriptHonoXStateBullMQPostgreSQLRedisCloudflareDigitalOceanMetabasen8nSupabase
Contact

Let's talk about what your operation already knows.

Book 30 minutes: tell me the process that hurts most and I'll tell you, no strings attached, where AI would move your numbers first. Or email me; I reply personally within 48 hours.

Federico next to a DORA banner in Bogotá